At Tull Financial Group, we specialize in working with individuals and families who prefer to delegate the management of their investments to a trusted team. Our clients value strategic guidance and proactive planning to help them optimize their financial outcomes, whether that means minimizing taxes, maximizing income, or preparing for life’s transitions with clarity and confidence.

We specialize in working with professionals who have built investment and retirement portfolios of $750,000 or more. These assets may include brokerage accounts, IRAs, 401(k)s, 403(b)s, stock options, and other investment vehicles.

In addition to serving retirees, we also work with young affluent professionals in the wealth-building phase. These clients focus on equity compensation, cash flow management, and strategic investing aligned with long-term goals. Whether planning a family, navigating career changes, or exploring early retirement, we provide personalized guidance to help grow and protect their assets.

A fiduciary is a financial professional who is legally and ethically bound to act in your best interest. Advisors, like Tull Financial Group, who adhere to the fiduciary standard are required to fully disclose any actual or potential conflicts of interest both before and throughout the advisory relationship.

Fiduciaries also commit to a code of ethics and provide transparent information about how they are compensated, so you can feel confident that their guidance is aligned with your goals, not their incentives.

When you work with a fiduciary professional, you’re partnering with someone who is not only highly qualified but also deeply committed to helping you live out your values and reach your most important goals with care, skill, and integrity. You can trust that every recommendation is made with your long-term success in mind.

1. Team-Based Care, Always Within Reach – You’re never just working with one advisor, you’re backed by a connected team of subject matter specialists who are always accessible and deeply invested in helping you make confident decisions.
2. Rooted in Integrity as Fiduciaries – As fiduciaries, we act with transparency and intention, putting your best interests first. No commissions, no insurance product sales, just honest guidance you can trust.
3. Personalized Service, Intentionally Scaled – We limit the number of relationships we take on, so every client receives thoughtful, customized attention. It’s not about volume, it’s about impact.
4. Tech-Savvy, Built for Convenience – We invest in state-of-the-art technology to ensure a seamless experience. For those who prefer paper-free processing, our digital-first approach delivers smarter tools and streamlined communication designed to make planning and investing feel effortless and empowering.

1. Background & Credentials
   1. What is your highest level of education?
   2. What special qualifications do you have? (i.e., CFP, CPA, CFA)
   3. Overall experience in this profession?
   4. Do you have any licenses and/or certifications?
   5. Do you or your firm have any disclosures or warnings/restrictions,
      disciplines/lawsuits?
2. Servicing Clients
   1. Do you always act as a fiduciary?
   2. How do you make your money?
   3. What services does your firm offer? Would you be able to
      provide a complete list?
   4. Do you have a specialty area?
   5. What is your investment philosophy?
   6. What kind of clients do you usually work with?
   7. What would the first year of our relationship look like? Who would we be
      working with directly?
   8. How often would we meet/communicate?
   9. Do you collaborate with other advisors? CPAs? Attorneys?
3. Security
   1. Where would our assets be held?
   2. What are your practices as it relates to confidentially?
   3. As primary advisor, do you have a succession plan in place?
   4. Do you have any conflicts of interest in managing our money?

While self-managing and digital tools like robo-advisors or AI can be helpful for basic investing, a financial advisor offers distinct advantages especially as your financial life becomes more complex.

• Personalized Guidance
  • Financial Advisor: Offers tailored advice based on your unique goals, values, and life circumstances.
  • Robo/AI: Uses algorithms and general inputs to suggest strategies, often lacking nuance or emotional context.
• Holistic Planning
  • Financial Advisor: Looks beyond investments to help with retirement planning, tax strategies, estate planning, insurance, and more.
  • Robo/AI: Typically focuses on portfolio management and may not integrate broader financial considerations.
• Human Insight During Life Transitions
  • Financial Advisor: Helps you navigate major life changes—like retirement, relocation, or inheritance with empathy and experience.
  • Robo/AI: May not fully grasp the emotional or logistical complexities of these transitions.
• Accountability and Peace of Mind
  • Financial Advisor: Acts as a trusted partner to keep you on track, answer questions, and adjust your plan as life evolves.
  • Self-Managing: Requires discipline, time, and confidence in your own decisions especially during market volatility.
• Strategic Tax and Estate Planning
  • Financial Advisor: Coordinates with your CPA and estate attorney to optimize your financial picture.
  • Robo/AI: Limited ability to collaborate or provide nuanced tax and legal guidance.

It’s worth considering a financial advisor when your financial life becomes more complex than a simple budget or savings account. This often happens during major life transitions such as retirement, receiving an inheritance, selling a business, or relocating to a new state.

A financial advisor can add value when:

• You want a personalized investment strategy aligned with your goals and risk tolerance
• You’re navigating tax planning, estate planning, or retirement income strategies
• You’re unsure how to coordinate multiple accounts, assets, or financial decisions
• You simply want peace of mind knowing a professional is helping you stay on track

At Tull Financial Group, we find that clients typically reach a level of financial complexity where professional oversight becomes especially valuable once they have investable assets of $750,000 or more.

Losing a loved one is devastating and the financial logistics that follow can add unnecessary stress during an already difficult time. One of the most valuable ways we support our clients is by helping them prepare ahead of time, so their spouse or family members won’t be left with uncertainty or confusion.

Planning ahead is an act of love. Getting organized now means your spouse or family can feel confident and supported, without having to piece together financial details in the midst of grief. Together, we build clarity and peace of mind—for whatever lies ahead.

Here’s how we help:

• We organize everything in advance. From creating a master financial plan and storing key records digitally, to updating beneficiaries and educating all involved family members—we make sure everyone understands the household finances, even if one person usually handles the details.
• We’re here when they need us most. If something happens, your spouse or a designated family member can call us right away. We’ll walk them through next steps with clarity and compassion.
• We continue to be a source of strength. Long after the initial transition, we stay involved—providing ongoing guidance, reassurance, and financial expertise to your loved ones.

Life is unpredictable, but your legacy doesn’t have to be. Let’s create a plan that ensures your loved ones are cared for, informed, and empowered—no matter what.

Absolutely. Our advisory firm is based in Chesapeake, VA but our technology enables us to collaborate with clients nationwide, regardless of their location. All you need is Wi-Fi to work with our team.

A CERTIFIED FINANCIAL PLANNER® is a financial advisor who’s met the highest standards in education, experience, and ethics. At Tull Financial Group, our CFP® professionals are trained to provide truly comprehensive guidance, covering everything from investments and tax strategies to estate planning, insurance, and retirement.

What sets our team apart is their deep commitment to understanding your unique goals and values. With care, skill, and integrity, they help you make confident decisions and build a financial life that reflects what matters most to you.

Financial advisors are paid in different ways, and that can influence the kind of guidance you receive.

• Fee-Based advisors earn both fees from clients and commissions from selling financial products. This can sometimes introduce competing interests.
• Fee-Only advisors are paid only by their clients, never through product commissions. That means their recommendations are built solely around what’s best for you.

Fee-only firms like Tull Financial Group believe in transparency, objectivity, and putting your goals first. It’s about giving advice you can trust without hidden agendas.

At Tull Financial Group, we believe in the power of global diversification and a disciplined, tax-efficient investment strategy. Rather than chasing market trends, we focus on smart, steady decisions that support long-term success.

While our investment philosophy is rooted in time-tested principles, your portfolio is uniquely yours. We customize every strategy to reflect your personal goals, values, and risk tolerance ensuring your financial plan is as individual as you are